Ratifi - Contract Analyzer

About this app

You just got handed a car deal. The payment looks fine. Is it? Snap a photo of the quote — or the contract — and Ratifi reads every number, checks the dealer's math against itself, and tells you in plain English what the deal really costs and exactly what to negotiate. Before you sign. Your first analysis is free. No subscription required. WHAT RATIFI ANALYZES • Dealer quotes and worksheets — before you're at the table • Vehicle purchase agreements • Vehicle leases WHAT YOU GET • A verdict, not just a score — is this deal fair, and why • True monthly cost and total cost over the life of the deal • Every figure cross-checked against your document's own math — see which numbers came straight off the page and which we calculated • Your rate compared against current market averages • Your price checked against real listings for the same vehicle • Line-by-line fee analysis — doc fees, add-ons, taxes • A negotiation checklist with specific dollar amounts • AI chat for follow-up questions TRY THE DEAL BEFORE YOU TAKE IT Open "What if the terms changed?" and move the levers — term, money down, rate — and watch the payment respond. Walk in knowing what 60 months at 5.9% actually does to your wallet. FROM QUOTE TO SIGNATURE Analyzed a quote? When the final contract arrives, Ratifi compares them line by line and flags anything that changed. The number that quietly moved between the worksheet and the paperwork is the one that costs you. HOW IT WORKS 1. Photo or PDF of your quote or contract 2. Ratifi reads every field and verifies the math 3. Get your verdict, costs, and negotiation plan in about a minute Spot a misread number? Tap it, fix it, and the entire analysis recomputes. Ratifi is an analysis tool, not legal or financial advice.

Try the deal before you take it. This update makes "What if the terms changed?" work on real-world quotes — even the ones that don't print every number. • Model any quote. Dealer sheet missing the residual or rate? Add it with one tap and watch the payment come alive — change the term, money down, or rate and see exactly what moves. • See the whole cost, not just the payment. Stretching the loan makes the monthly smaller — and the total bigger. Ratifi now shows you both, so a "cheaper" deal can't hide what it costs over the full term. • Straight answers. When a quote doesn't print enough to recompute the payment, Ratifi tells you exactly which number to get from the dealer — no guesswork. Plus: leases now capture security deposits and program restrictions, and accuracy improvements across the board.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Aug 19, 2026 · 6:41 AM Free